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September 20, 2019

Online shopping continues to grow in relation to brick and mortar sales, and customers today demand easy to use and safe payment methods when shopping online.  Your eCommerce store is only as strong as its ability to satisfy customer needs regarding easy payment options.  

Your eCommerce Store Must Have a Payment Gateway

Payment gateways are the different methods available for collecting payments from customers who make direct purchases from your eCommerce store website.  Payments are generally collected and managed on your site’s shopping cart page, and your payment gateway refers to the methods of payment that you accep...

August 19, 2019

Our clients have told us many stories over the years about some of the sales pitches they have been given about credit card processing fees.  Some companies promise rates of 1% and even less. Here’s why those promises are not real and how they can wind up costing you much more than an honest and transparent rate soon after the overblown promises evaporate.  We also want to show you what you can expect in return for a fair and transparent rate that you can depend on.  

Credit Card Processing Fees are Often Presented in Deceptive Ways

If you have shopped for credit card processing services for your brick and mortar ret...

July 12, 2019

So many of your have expressed interested in learning more about contactless payments (🎉 - yes, this would be a reason we would use this emoji internally!)

We created a simple guide to give you more information on contactless payments - how they work, how to accept them and critical in-store to-do's.

If you do not have a machine that accepts contactless payments - the first step would be to upgrade to a machine that accepts this payment type. If you have done this already that's a big ☑️off the to-do list already!

See our guide below or download it here.

June 29, 2019

There are more ways to accept a credit card now more than ever. For such a simple act - take payment, provide goods/services, receive payment in your bank account - there is actually a few layers of complexity to this routine task.

First, we need to consider, do you accept cards in person and/or not in person?

If you are actually seeing the credit card with your own two eyes at the point of sale - you are accepting cards in-person.  Part B to this equation - does the credit card have an EMV chip (or not) and/or does your customer prefer to pay with their phone - where they store their credit card information and/or ApplePay or...

July 3, 2017

You may hear some of these terms frequently, but might not be so sure what they exactly refer to. Here's a short guide on some of the most commonly used terms that are meaningful in the payment processing industry.

1. Virtual Terminal

An application that lets merchants manually enter customers’ credit card info, which is then securely transmitted and authorized by the payment gateway.

2. Secure Payment Gateway

A gateway is a system that uses encryption technology to securely pass credit card data, authorization requests and authorization responses over the internet.

3. Card Issuer

The card issuer is the financial institution (most like...

June 21, 2017

At Payhub we use ACH as a faster outlet for payments, saving time and money. ACH, short for Automated Clearing House uses a specific routing number to electronically transfer accepted payments from one bank to another, for purposes like direct deposit, payroll, and vendor payments. With ACH, payment acceptance is simplified and convenient. Read on to see the benefits that this method provides for businesses.

  1. Get a Lower Fee: Who would want high transaction fees? With ACH you are receiving the lowest priced fee of all electronic payment acceptance. When running a business, you are guaranteed to find your company paying many fee...

June 14, 2017

The Clover has a new addition to its family and we’re very excited to share it with you. The Clover is an extremely versatile machine that offers many models including a Clover Mini, Clover Mobile, Clover Station, and a Clover Go, allowing customers to choose any style they want for their business. The Clover hasn’t stopped growing and continues to get even better because it has added yet another unique model called the Clover Flex. What differentiates the Clover Flex?

  1. Portable Build: The Clover Flex is truly made for flexible, on the go convenience. It wants you to be able to do business conveniently wherever you go. This dev...

May 29, 2017

Each of our terminals at Payhub Payments are reliable, efficient, and speedy. One of these terminals is called the Dejavoo V8. This terminal is equipped with great connectivity that is integrated with Linux OS, Value added server, and Embedded SQL. Sales increase when using this terminal due to its high productivity level. The Dejavoo V8 has a USB port that allows software to be imported in less than a minute creating an easy and hassle-free environment for owners, meaning you can combine it with USB add-ons and a serial/pin pad port whenever. Security is a priority for PayHub and that is easy to see with this terminal. Without p...

May 22, 2017

Your business can gain great advantages by accepting credit cards from your customers. There are a significant amount of benefits that credit cards offer, whether it’s electronically or manually. Here are just a few of them.

  1. Sales: What business doesn’t want to increase profit? With credit card acceptance you can guarantee your business with be booming with more sales. One of the main reasons that these sales increase is due to a larger audience and customer base that results by switching from cash only to credit/debit card acceptance. Many customers avoid businesses that are cash only because most rely on their cards these da...

April 12, 2017

When it comes to EMV and the smart technology that is equipped within it, EMV, also known as EuroPay, MasterCard, Visa is becoming more of a necessity. More and more businesses are being required to enable this technology. EMV is its own computer chip that encrypts its own unique transaction code for each consumer that can’t be replicated. Now you may ask yourself, what's in it for business, and not just the consumers? There are a number of benefits for a company that takes on EMV integration! Have your company invest in one system with an abundance of benefits.

Security: This is one of EMV’s top benefits for your business, as wel...

April 5, 2017

PAX S80 is just one of the many terminals with a pin pad that we offer here at PayHub Payments. We want to bring you the best of the best when it comes to equipment for your business. The PAX S80 has great features to help your company make the payment process easier. Here are a few of the benefits this terminal offers.

The PAX S80 fits perfectly on any countertop, as it was specifically made to be accessible and convenient for all businesses and consumers. This terminal is not just any terminal; it is far more advanced and equipped with top performing technology. The PAX S80 uses innovation, durability, and high performance to ma...

April 3, 2017

With the explosion of EMV technology for payment processing it is hard to keep track of what has been occurring. Businesses and consumers have lived with this new adoption for one year now. EMV standard has transformed the payment industry and we want to provide insight for your business as to what EMV looks like in 2017.

1. With the adoption of EMV standard, studies have been popping up regarding this new technology. Recently, studies have shown that by the end of 2017 EMV technology should increase by 98% due to laws that will come into play later down the road.

2. Many forget that EMV just came to be about a year ago, which also...

March 20, 2017

All of our terminals, pin pads, and Clover machines are equipped with EMV technology. Here at PayHub Payments, we believe in the power of security, which is why our devices contain EMV technology. But what exactly makes EMV a more protected transaction authenticator than the original cards? The answer is the small gold square located on the card, rather than the traditional magnetic stripe.

Where does this chip come from? The chips begin as 500 pounds of large glass and are then segmented into distinct separate discs. Individual micro circuits are then cut from this and placed on each separate debit and credit card. These chips ar...

March 13, 2017

PayHub Payments provides services that allow your customers the opportunity to use ACH payments as a way to pay electronically rather than cash or credit/debit cards. Here are a few key questions and answers about ACH acceptance.

What does ACH stand for? ACH is the abbreviation for Automated Clearing House, which is an electronic network that processes transactions in batches that are debit or credit, to your bank. These transactions are made electronically, easing processing time and cost.

What is ACH used for? Common types of payments include single and recurring payments, government payments, payroll, vendor payments, business t...

September 14, 2016

Choosing that right payment processor can take a little time, but it will be worth it in the end. Previously in our other blog we mentioned five question and answers that we believe can help you make the right purchase, but we just thought we would provide you with 5 more to really help narrow down your choices. Everyone wants customer service, no extra fees, online capabilities and much more, but many people forget to check out specific features, which is why we want to help you remember to ask those important questions. 

  1. What are the fees correlated when someone swipes a credit card as oppose to it being done manually or onl...

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